Each year, more automobiles and drivers travel the roads. This could lead to an increased likelihood of a collision. The difference between a little aggravation and major pain can be car insurance. But why is insurance required by law and just how much should you buy? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, including car rental, are also available. Car Insurance Quotes Clermont